Fundamental Analysis of CLOVER HEALTH INVESTMENTS CO(NASDAQ:CLOV) stock

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to CLOV. CLOV was compared to 113 industry peers in the Health Care Providers & Services industry. While CLOV seems to be doing ok healthwise, there are quite some concerns on its profitability. CLOV has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year CLOV has reported negative net income.

In the past year CLOV has reported a negative cash flow from operations.

In the past 5 years CLOV always reported negative net income.

In the past 5 years CLOV always reported negative operating cash flow.

1.2 Ratios

CLOV has a worse Return On Assets (-18.35%) than 76.11% of its industry peers.

The Return On Equity of CLOV (-38.09%) is worse than 63.72% of its industry peers.

		Industry Rank	Sector Rank
ROA	-18.35%
ROE	-38.09%
ROIC	N/A

ROA(3y)-47.04%

ROA(5y)-28.38%

ROE(3y)-93.07%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CLOV does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CLOV does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CLOV has been increased compared to 1 year ago.

CLOV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

CLOV has an Altman-Z score of 1.62. This is a bad value and indicates that CLOV is not financially healthy and even has some risk of bankruptcy.

With a Altman-Z score value of 1.62, CLOV perfoms like the industry average, outperforming 49.56% of the companies in the same industry.

There is no outstanding debt for CLOV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	1.62

ROIC/WACCN/A

WACC8.9%

2.3 Liquidity

A Current Ratio of 1.69 indicates that CLOV should not have too much problems paying its short term obligations.

CLOV's Current ratio of 1.69 is fine compared to the rest of the industry. CLOV outperforms 62.83% of its industry peers.

A Quick Ratio of 1.69 indicates that CLOV should not have too much problems paying its short term obligations.

The Quick ratio of CLOV (1.69) is better than 67.26% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.69
Quick Ratio	1.69

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CLOV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.00%, which is quite impressive.

CLOV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -41.50%.

EPS 1Y (TTM)60%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%77.78%

Revenue 1Y (TTM)-41.5%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%-31.34%

3.2 Future

CLOV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.62% yearly.

Based on estimates for the next years, CLOV will show a decrease in Revenue. The Revenue will decrease by -2.44% on average per year.

EPS Next Y67.55%

EPS Next 2Y28.84%

EPS Next 3Y20.66%

EPS Next 5Y9.62%

Revenue Next Year-30.51%

Revenue Next 2Y-13.31%

Revenue Next 3Y-5.53%

Revenue Next 5Y-2.44%

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CLOV. In the last year negative earnings were reported.

Also next year CLOV is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as CLOV's earnings are expected to grow with 20.66% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y28.84%

EPS Next 3Y20.66%

More info and screens

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5. Dividend

5.1 Amount

No dividends for CLOV!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CLOVER HEALTH INVESTMENTS CO

NASDAQ:CLOV (11/7/2024, 11:19:09 AM)

3.6099

-0.74 (-17.01%)

Chartmill FA Rating

GICS SectorHealth Care

GICS IndustryGroupHealth Care Equipment & Services

GICS IndustryHealth Care Providers & Services

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap1.80B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-18.35%
ROE	-38.09%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover2.51

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	1.69
Quick Ratio	1.69
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)60%

EPS 3YN/A

EPS 5Y

EPS Q2Q%

EPS Next Y67.55%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-41.5%

Revenue growth 3YN/A

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

CLOVER HEALTH INVESTMENTS CO (CLOV)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens